A simple, sophisticated service where users can design
benefits based on their interests
Empower individuals towards healthier and happier lives
Individuals are at the heart of your business.
At Benepeak, we empower them to lead healthy lives

Brand Promises

⦁ A clean user-interface and easy to use platform

⦁ Customize your benefits to suit your lifestyle

⦁ AI which ensures peak performance from your benefits

Health Spending Account (HSA) is a non-taxable benefit plan for health, drug, vision and dental

• HSA’s cover eligible health expenses for you and your dependents with an allowance set by your employer which pays out quarterly, monthly, semi-monthly, or annually.

• HSA’s compliment traditional group insurance, are effective for cost savings, and provide you with flexible coverage. Have we peaked your interest? Contact Us Focus

Have we peaked your interest?

Meet Your Health Spending Account

A Health Spending Account (HSA) is a non-taxable plan fhat helps employers turn healthcare costs into business expenses while empowering employees to individualise their benefits flexibly.

It works like this: employees (and their eligible dependents*) receive an allowance each year that is set by their employer. Using the Benepeak app, employees choose how they want to spend these funds and can tailor their benefits to their lifestyle.

Eligible Dependents Include:
• Spouse or common-law partner
• Parents, grandparents, and in-laws
• Children, grandchildren, and siblings under 18
• Relations with impaired physical or mental functions

What Does the HSA Cover?

Regulated by the Canada Revenue Agency (CRA), HSA’s only cover expenses that the CRA lists as eligible. We’ve broken these down into four categories: Dental, Drug, Health, and Vision.

Orthodontic Treatment (prescribed by a medical practitioner or dentist; cosmetic procedures are ineligible)
Preventative Services
• Cleaning, polishing, fluoride treatments
• Oral surgery
Diagnostic Senvices
• Dental examination
• X-rays
• Dentist / Denturist appointments
Restorative Services
Dentures, repair & replacement

Appointments with:

• Oculist

• Ophthalmologist

• Optician

• Optometrist (OD)

Laser eye surgery (by a medical practitioner or licensed hospital, either public or private

Prescribed corrective eyewear (eyeglasses, contact lens, artificial eye)

Cost of prescription (by a licensed pharmacist, not over the counter)

Prescription medicine, drugs, and devices (prescribed by a medical practitioner or dentist including):

•  Prescription birth control pills

• Tapes or tablets for diabetic sugar content tests 

 Vitamin B12 

 Medicinal marijuana 

 Liver extract

• Insulin or substitutes 


Appointment with licensed practitioners, including:

A- Acupuncturist (R.Ac.), Anaesthesiologist Athletic Therapist, Audiologist

C- Chiropodist, Chiropractor (DC), Clinical Counsellor (Provincially registered)

D- Dermatologist, Dietitian (registered)

G- Gynecologist (Ob. Gyn)

K- Kinesiology

M- Masseuse (Provincially registered)

N- Naturopaths, Neurologist

O- Obstetrician, Occupational Therapist, Osteopath

P- Pediatrician, Physician, Physiotherapist, Plastic Surgeon (medically required procedures with doctor certification), Podiatrist (DPM), Practical Nurse (LPN) and Registered Nurse (RN), Psychiatrist, Psychoanalyst, Psychologist (PsyD)

R- Registered Midwife

S- Social Workers (RSW, RCC, MFT), Speech Therapist (SLP), Surgeon

X- X Ray Technician

Our Plans

Business Owner Plan

This plan is designed with business owners who receive a salary from the company. This plan reduces personal tax payments by making health and dental expenses business expenses.
  • Health
  • Dental
  • Vision
  • Drug

Best Benefit Plan

This plan is designed for employers who want their employees to receive maximum benefits and plan flexibility without increasing the company’s expenses. These plans give employees the choice of spending their benefit amount on an HSA benefit or a WSA benefit.
  • Health
  • Dental
  • Vision
  • Drug
  • Fitness & Equipment
  • Cosmetic
  • Family & Pets
  • Personal Development
  • Health & Wellness

Essential Plan

This plan helps employers limit their costs as much as possible while providing essential health and dental benefits to their employees. The best part is that the entire benefit amount is a non-taxable benefit for employees.
  • Health​
  • Dental
  • Vision
  • Drug
  • Fitness & Equipment
  • Cosmetic
  • Family & Pets
  • Personal Development
  • Health & Wellness

Who Benefits?

Sole owner businesses and small businesses (with <5 or 5+ employees) can all benefit from HSA. Read on to see how HSA’s flexibility, cost-control, and ability to tailor the plan to individual needs benefits us all, regardless of the size of your company.

Sole Owner Businesses

Sole owner businesses do not qualify for traditional group insurance plans but with an HSA they can reduce their taxes by claiming personal health and dental expenses as business expenses.

Companies with >5 employees

Companies with <5 employees can’t get group insurance but with an HSA, employees can access flexible health and dental benefits while helping their employer keep business taxes and associated costs down

Companies with 5+ Employees

HSA’s compliment group insurance for multi-generational workforces. Employees of any age can cover their group insurance deductible and health expenses with a prepaid credit card linked to their HSA.

HSA's are just the beginning:
explore our site and Tax Savings Calculator to see the full extent of better benefits!

How it Works

Dylan’s employer provides them with a $3000.00 annual allowance in their Health Spending Account (HSA). Here’s how Dylan can submit their claim with the Benepeak app.


Step 1

Dylan’s employer provided $3000.00 to their HSA for eligible health and dental expenses

syringe (1)

Step 2

After a visit to their Doctor, Dylan pays out-of-pocket for the visit and 3 B12 injections, totaling $77.99


Step 3

An adjudicator reviews Dylan’s claim eligibility and reimburses them $77.99 from their total HSA coverage

Dylan has $2722.01 feft in their HSA to cover future eligible expenses

Interested in better benefits?
A Benepeak wellness Spending Account

Wellness Spending Account (WSA) Eligible Expenses

A Wellness Spending Account (WSA) allows you to spend a taxable allow- ance set by your employer on a variety of wellness-related activities and products tailored to your lifestyle. The included activities and products fall into 5 categories:

Fitness & Equipment


Family & Pets

Personal Development

Health & Wellness

Reach New Heights

At Benepeak, Health Spending Accounts (HSA) keep cost control in the employer’s hands while empowering employees to individualise their health and dental benefits. But better benefits are just the beginning for business owners and employees:


Benepeak lets you set your plan’s premium as low as you like and our Al powered app lets you track company spending and cost savings. Benepeak is more cost-effective than purchasing additional insurance supplements because benefits become non-taxable business expenses;


Tailor your benefits to your unique lifestyle, desires, and needs! Refunds are simple when you can upload a picture of your receipt to the app, forward e-receipts to your Benepeak email, and track your claim in real time using either the mobile or web app.


Have we peaked your interest? Feel free to reach out to us with any questions or comments by filling out our contact form. For demo or business inquiries, please email info@benepeak.com